A joint credit card is a credit card jointly issued by the bank and the enterprise. Many co-branded cards have exclusive discounts that are suitable for specific groups of people. If you like online shopping, you can choose the CITIC Taobao co-branded card, which will generate points when you spend money on Taobao; if you often travel on business, you can apply for a "Great Wall Air China Card" and buy Air China tickets. In addition to enjoying the functions of ordinary bank cards, you can also Enjoy discounts and aviation personal accident insurance.

1. Co-branded cards are ancillary products of bank cards jointly issued by commercial banks and for-profit institutions. At present, the most common one is a co-branded debit card, which is a bank card with a co-branded nature developed on the basis of a debit card. Approved in France on October 1, 2007, co-branded credit cards are bank cards bearing the logo of a business or store and association, including Visa, MasterCard and American Express. At present, many companies have launched such credit cards, such as Fiat, Orange, Nouvelles Frontières, Air France, etc.

2. The operation mode of co-branded credit cards is that the card issuer jointly issues cards with airlines, telecommunications companies, shopping malls and other for-profit institutions. Card-holding consumers can enjoy a certain percentage of discounts provided by merchants when spending money at these institutions. Now many banks have developed co-branded credit cards with larger shopping malls in the city.

3. Price usually ranges from 19 to 45 euros. Card issuers and their cooperative merchants provide credit card holders with rewards such as points and price reductions. This is a "real" credit card because it allows cash withdrawals and payment for goods, and is recognized by all banking networks and businesses. However, it should be noted that this is a loan consumption card. Even if you only use it to withdraw 15 euros or pay 45 euros for petrol, it is equivalent to using a recovery loan and paying back its interest. Therefore, be careful when using this co-branded credit card. You only need to apply if you are indeed a loyal customer of the business.

4. Features: Low application requirements. Using the ready-made database of CO brand card partners, you can quickly increase the number of credit card issuances in a short period of time, and the requirements for applicants are relatively low. For example, for Dragon Card and Prestigious School Card, teachers and students of the corresponding schools can basically apply successfully. Co-branded cards offer double discounts. In addition to using common functions such as overdrafts and interest-free installments with ordinary credit cards, you can also enjoy discounts similar to membership cards at co-branded merchants.